Germany Blocked Account for Indian Students

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What is a German Blocked Account?

A German Blocked account is a special bank account required by international students and job-seeker visa applicants in Germany. This bank account showcases their financial stability to cover the living expenses in Germany. This is required to prove to the German authorities that you have enough money to live and study in Germany. For setting up the account, applicants need to deposit €11,904 (INR 12,25,445), from which they can only withdraw €992 (INR 1,02,120) monthly after arrival to cover living expenses.

Who needs to open a Blocked Bank Account?

Applicants who are from a country other than a European Union or Schengen Member State and applying for the following German Visas need to have a German Blocked Account:

• Student visa
• Job-seeker visa
• Training or apprenticeship visa
• Aupair visa
• Visa for the recognition of foreign qualifications
• Visa for language acquisition
• Germany Opportunity Card – Chancenkarte

Exemptions: Citizens from the EU, Norway, Iceland, Liechtenstein, or Switzerland do not need a blocked account.

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Required Amount for a Blocked Account

The required amount for a German blocked account when applying for a student visa in 2025 is €11,904 (INR 12,25,445). This ensures sufficient funds for living expenses in Germany, with a monthly withdrawal limit of €992 (INR 1,02,120). Applicants for certain German visas, such as the training/apprenticeship or language acquisition visa, are required to deposit 10% more €13,094 (INR 13,47,948) in total. The table below outlines the specific monthly and annual amounts needed for a blocked account across various years:

Also check Cost of Living In Germany

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Top Providers for Blocked Accounts

You can open a blocked account with one of the providers Expatrio, Fintiba, Studely, or Coracle. Looking into different factors and then choosing the right provider is very important.

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How to Open a Blocked Amount?

You must open a blocked account before applying for your German visa or residence permit. Here is the step-by-step process to open a German Blocked Account in 2025:

• Check with the German Embassy or Consulate how much money you need to transfer:

Although the amount transferred to the account is the same, you must still check the minimum amount to be transferred beforehand

• Open a blocked account with the provider of your choice:

Select from providers like Expatrio, Fintiba, or ICICI Bank based on your needs.

• Transfer the money:

The provider shares the IBAN and provides detailed instructions. The transfer can be completed through a bank or an international money transfer service/app, and it usually takes around 3 to 5 days.

• Confirmation Letter:

Once the transfer is complete, the provider sends the applicant a Confirmation Document for the Blocked Bank Account.

• Visa:

You will receive a National D Visa, which lets an applicant enter Germany.

• Required Documents:

Applicants must ensure they have all the necessary documents ready. These include a valid passport, proof of admission such as a university admission letter, recent bank statements as evidence of sufficient funds, a completed application form, and a valid ID card.

Also check Tuition Free Universities in Germany for Indian Students in 2025

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How to Activate A Blocked Account?

To activate your blocked account, you must have a current account in Germany, which means you must register your address and get the Registration Certificate. You can only access your money after you open a current account. The documents you need to submit to activate your account are:

• Proof of having registered your residence in Germany, such as a lease agreement or the certificate of registration from the city hall (Anmeldung).
• Proof of your current account.
• Your passport with the entry stamp.
• Your German residence permit

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Additional Details on Blocked Account

There is some additional information that is crucial for Indian students to keep in mind while applying for a blocked account in Germany.

Blocked Account vs Regular Bank Accounts

The difference between a Blocked Account and a regular Bank Account in Germany is tabulated below:

Renewal and Extension Process

International students in Germany who opt for a Blocked Account as proof of their finances need the Blocked Account for 1st year of their studies. In the subsequent year, if they fail to provide proof of finances in other ways, then they have to extend their Blocked Account.

When international student wants to study in Germany, they are compulsorily required to show their proof of Financial stability. The way to do it is by opening a blocked account with one of the providers. Before applying through any provider, it's important to carefully review all the factors, requirements, and your personal needs to ensure you make the right decision.